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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
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<SEC-DOCUMENT>0001209191-03-014015.txt : 20030728
<SEC-HEADER>0001209191-03-014015.hdr.sgml : 20030728
<ACCEPTANCE-DATETIME>20030728162648
ACCESSION NUMBER:		0001209191-03-014015
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030616
FILED AS OF DATE:		20030728

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CENTRAL FEDERAL CORP
		CENTRAL INDEX KEY:			0001070680
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				341877137
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		C/O CENTRAL FEDERAL BANK
		STREET 2:		601 MAIN ST
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968
		BUSINESS PHONE:		3305321517

	MAIL ADDRESS:	
		STREET 1:		C/O CENTRAL FEDERAL BANK
		STREET 2:		601 MAIN ST
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GRAND CENTRAL FINANCIAL CORP
		DATE OF NAME CHANGE:	19980918

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			MACKUS ELOISE L
		CENTRAL INDEX KEY:			0001256076

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		03806355

	BUSINESS ADDRESS:	
		STREET 1:		P O BOX 345
		CITY:			WELLSVILLE
		STATE:			OH
		ZIP:			43968
		BUSINESS PHONE:		3305321517
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>bcl02132_bcl2elm.xml
<DESCRIPTION>MAIN DOCUMENT DESCRIPTION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>3</documentType><periodOfReport>2003-06-16</periodOfReport><noSecuritiesOwned>0</noSecuritiesOwned><issuer><issuerCik>0001070680</issuerCik><issuerName>CENTRAL FEDERAL CORP</issuerName>        <issuerTradingSymbol>GCFC </issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001256076</rptOwnerCik><rptOwnerName>MACKUS ELOISE L</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>3800 ROSEMONT BLVD</rptOwnerStreet1><rptOwnerStreet2>SUITE 108F</rptOwnerStreet2><rptOwnerCity>FAIRLAWN</rptOwnerCity><rptOwnerState>OH</rptOwnerState><rptOwnerZipCode>44333</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>SVP, General Counsel</officerTitle></reportingOwnerRelationship></reportingOwner><der
ivativeTable><derivativeHolding><securityTitle><value>Common Stock (Restricted)</value><footnoteId id="F1" /></securityTitle><conversionOrExercisePrice><value>0</value></conversionOrExercisePrice><exerciseDate><value>2004-07-07</value></exerciseDate><expirationDate><value>2014-07-07</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>GCFC</value></underlyingSecurityTitle><underlyingSecurityShares><value>1000</value></underlyingSecurityShares></underlyingSecurity><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Common Stock (Restricted)</value><footnoteId id="F1" /></securityTitle><conversionOrExercisePrice><value>0</value></conversionOrExercisePrice><exerciseDate><value>2005-07-07</value></exerciseDate><expirationDate><value>2015-07-07</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>GCFC</value></underlyingSecurityTitle><underlyingSecuritySh
ares><value>1000</value></underlyingSecurityShares></underlyingSecurity><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Common Stock (Restricted)</value><footnoteId id="F1" /></securityTitle><conversionOrExercisePrice><value>0</value></conversionOrExercisePrice><exerciseDate><value>2006-07-07</value></exerciseDate><expirationDate><value>2016-07-07</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>GCFC</value></underlyingSecurityTitle><underlyingSecurityShares><value>1000</value></underlyingSecurityShares></underlyingSecurity><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Common Stock (Options)</value><footnoteId id="F1" /></securityTitle><conversionOrExercisePrice><value>12.42</value></conversionOrExercisePrice><exerciseDate><value>2004-07-07</valu
e></exerciseDate><expirationDate><value>2014-07-07</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>GCFC</value></underlyingSecurityTitle><underlyingSecurityShares><value>2333</value></underlyingSecurityShares></underlyingSecurity><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Common Stock (Restricted)</value><footnoteId id="F1" /></securityTitle><conversionOrExercisePrice><value>12.42</value></conversionOrExercisePrice><exerciseDate><value>2005-07-07</value></exerciseDate><expirationDate><value>2015-07-07</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>GCFC</value></underlyingSecurityTitle><underlyingSecurityShares><value>2333</value></underlyingSecurityShares></underlyingSecurity><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTit
le><value>Common Stock (Restricted)</value><footnoteId id="F1" /><footnoteId id="F2" /></securityTitle><conversionOrExercisePrice><value>12.42</value></conversionOrExercisePrice><exerciseDate><value>2006-07-07</value></exerciseDate><expirationDate><value>2016-07-07</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>GCFC</value></underlyingSecurityTitle><underlyingSecurityShares><value>2333</value></underlyingSecurityShares></underlyingSecurity><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding></derivativeTable><footnotes><footnote id="F1">Relates to Eloise L. Mackus only</footnote><footnote id="F2">No nonderivatives or derivates are owned by Edward L. Baumgardner</footnote></footnotes><ownerSignature><signatureName>/s/ Eloise L. Mackus</signatureName><signatureDate>2003-07-10</signatureDate></ownerSignature></ownershipDocument>

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</SEC-DOCUMENT>
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